Can I retire at age 52 with 1,900,000?

Use the below retirement simulation to view the chances of a successful retirement.
Confused? Try the simple retirement calculator
About Your Retirement ?
Current Age
Retirement Age
Current Savings $
Annual Deposits $
Annual Withdrawals $
Stock market crash:
Portfolio ?
% in Stocks:
% in Bonds:
% in Cash:
Modify Stock Returns:
0%
Modify Bond Returns:
0%
Modify Cash Returns:
0%
Modify Inflation:
0%
How much money do I need to retire?

This retirement calculator runs simulations based on past data from the S&P 500, 10 Year Treasury Bond, 3 month T-Bill, and US inflation. For each year of each simulation, a random return and inflation amount is chosen.

How to use: Enter your current age and the age when you retire. Then enter your current savings, the amount that you can save annually before you retire, and the amount that you plan to withdraw after retirement. Your annual deposits and withdrawals take inflation into account. For example, if you need $50,000 to live on in retirement using today's dollars, we will automatically take into account the cost of living for your retirement years. The same is true for your annual deposits. Next, decide if you'd like to simulate a stock market crash.

In the portfolio section, choose the makeup of your portfolio with stocks, bonds, and cash. Cash assumes that your money is stored in a savings account. You can then alter the future returns and inflation. For example, if the market has historically returned about 10%, but you think the future will be worse, modify the stock returns by -3%, and the future returns will average out to 7%. Investment fees can also lower stock market returns. Many index funds and ETFs offer extremely low fees and expenses.

Many people receive income in retirement, such as social security, pension plans, part time jobs, annuities, and other benefits. This would allow you to take out smaller distributions every year. Please note that taxes must also be considered, but are not used in this simulation. A 401k, Roth IRA, and Traditional IRA are taxed differently than a standard investment account, as are dividends.

Note: This assumes that the future is at least somewhat like the past. In reality, anything could happen. The Soviet Union collapsed, Japan's Nikkei Index is still well below its 1989 peak. Numerous other markets have changed drastically and never recovered. However, this online tool is helpful in retirement planning and estimating how much you might need for retirement, especially those hoping to retire early. We recommend receiving advice from a financial planner.

Want to retire with $1,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.6%
1 years$156,900$155,503$154,139$152,808$151,509$146,249
2 years$77,673$76,227$74,825$73,465$72,147$66,903
3 years$51,268$49,815$48,417$47,070$45,773$40,709
4 years$38,068$36,619$35,235$33,911$32,646$27,800
5 years$30,150$28,710$27,344$26,047$24,817$20,202
6 years$24,873$23,444$22,098$20,830$19,637$15,257
7 years$21,105$19,688$18,363$17,126$15,970$11,824
8 years$18,280$16,876$15,574$14,366$13,249$9,333
9 years$16,085$14,694$13,414$12,237$11,157$7,468
10 years$14,329$12,952$11,694$10,548$9,506$6,037
11 years$12,894$11,530$10,295$9,180$8,176$4,919
12 years$11,698$10,349$9,137$8,052$7,085$4,033
13 years$10,688$9,353$8,163$7,109$6,178$3,323
14 years$9,822$8,501$7,335$6,310$5,416$2,749
15 years$9,073$7,766$6,622$5,628$4,769$2,282
16 years$8,418$7,125$6,004$5,039$4,214$1,899
17 years$7,840$6,562$5,463$4,528$3,737$1,584
18 years$7,328$6,064$4,987$4,080$3,323$1,323
19 years$6,869$5,620$4,566$3,687$2,962$1,107
20 years$6,457$5,222$4,190$3,339$2,645$928
21 years$6,085$4,864$3,854$3,031$2,367$778
22 years$5,747$4,540$3,552$2,755$2,122$653
23 years$5,439$4,247$3,280$2,509$1,905$549
24 years$5,157$3,979$3,033$2,289$1,712$461
25 years$4,898$3,734$2,809$2,090$1,541$388
26 years$4,660$3,509$2,606$1,911$1,388$326
27 years$4,439$3,303$2,420$1,749$1,251$275
28 years$4,235$3,112$2,249$1,603$1,129$231
29 years$4,045$2,936$2,093$1,470$1,019$195
30 years$3,868$2,773$1,950$1,349$921$164
31 years$3,702$2,621$1,818$1,239$833$138
32 years$3,548$2,480$1,696$1,139$753$116
33 years$3,403$2,349$1,583$1,047$682$98
34 years$3,266$2,226$1,479$963$617$83
35 years$3,138$2,111$1,383$887$559$70
36 years$3,018$2,004$1,294$817$507$59
37 years$2,904$1,903$1,211$752$459$49
38 years$2,796$1,809$1,134$694$416$42
39 years$2,694$1,720$1,063$640$377$35
40 years$2,598$1,636$996$590$342$30
41 years$2,506$1,558$934$544$311$25
42 years$2,419$1,484$876$502$282$21
43 years$2,336$1,414$822$464$256$18
44 years$2,257$1,347$772$428$232$15
45 years$2,182$1,285$725$395$211$13
46 years$2,111$1,226$681$365$191$11
47 years$2,043$1,170$639$337$174$9
48 years$1,977$1,117$601$312$158$8
49 years$1,915$1,066$565$288$143$6
50 years$1,855$1,019$531$266$130$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,900,000, adding $3,669 every year, while hoping to spend $41,341 every year in retirement. These numbers increase with inflation.
Reality usually performs much different than the expected returns. This uses historical averages, but anything can happen. In general, riskier investments have greater returns on average, but more volatility in the short term.
Age Total: 100% Stocks Total: 100% Bonds Total: 100% Cash Total: 50/21/29 Blend
51$1,900,000$1,900,000$1,900,000$1,900,000
52$2,097,585$1,996,885$1,967,435$2,185,064
53$2,267,552$2,050,745$1,989,357$2,300,543
54$2,453,470$2,105,860$2,010,629$2,421,599
55$2,656,923$2,162,246$2,031,183$2,552,385
56$2,879,653$2,219,920$2,050,952$2,693,844
57$3,123,581$2,278,900$2,069,863$2,847,017
58$3,390,822$2,339,201$2,087,839$3,013,049
59$3,683,703$2,400,839$2,104,798$3,193,203
60$4,004,789$2,463,829$2,120,657$3,388,869
61$4,356,904$2,528,183$2,135,326$3,601,580
62$4,743,159$2,593,915$2,148,711$3,833,024
63$5,166,981$2,661,036$2,160,712$4,085,063
64$5,632,143$2,729,557$2,171,225$4,359,747
65$6,142,802$2,799,486$2,180,142$4,659,336
66$6,703,539$2,870,832$2,187,348$4,986,321
67$7,319,397$2,943,599$2,192,721$5,343,446
68$7,995,933$3,017,794$2,196,135$5,733,737
69$8,739,270$3,093,418$2,197,458$6,160,528
70$9,556,152$3,170,471$2,196,548$6,627,493
71$10,454,008$3,248,952$2,193,261$7,138,682
72$11,441,024$3,328,858$2,187,442$7,698,558
73$12,526,217$3,410,181$2,178,931$8,312,041
74$13,719,525$3,492,913$2,167,558$8,984,552
75$15,031,891$3,577,041$2,153,147$9,722,068
76$16,475,378$3,662,550$2,135,511$10,531,175
77$18,063,273$3,749,422$2,114,457$11,419,133
78$19,810,217$3,837,633$2,089,781$12,393,942
79$21,732,340$3,927,158$2,061,270$13,464,422
80$23,847,416$4,017,967$2,028,700$14,640,292
81$26,175,030$4,110,024$1,991,838$15,932,265
82$28,736,757$4,203,290$1,950,440$17,352,149
83$31,556,375$4,297,720$1,904,248$18,912,958
84$34,660,081$4,393,263$1,852,996$20,629,036
85$38,076,741$4,489,865$1,796,403$22,516,192
86$41,838,162$4,587,462$1,734,176$24,591,850
87$45,979,393$4,685,985$1,666,009$26,875,214
88$50,539,051$4,785,359$1,591,581$29,387,452
89$55,559,693$4,885,500$1,510,557$32,151,893
90$61,088,207$4,986,316$1,422,586$35,194,248
91$67,176,266$5,087,706$1,327,304$38,542,856
92$73,880,803$5,189,562$1,224,328$42,228,950
93$81,264,560$5,291,765$1,113,257$46,286,954
94$89,396,668$5,394,185$993,674$50,754,807
95$98,353,310$5,496,682$865,144$55,674,325
96$108,218,432$5,599,104$727,211$61,091,591
97$119,084,539$5,701,287$579,399$67,057,397
98$131,053,565$5,803,053$421,213$73,627,723
99$144,237,838$5,904,212$252,132$80,864,263
100$158,761,136$6,004,557$71,617$88,835,012